ZIP 22738 Foreclosure, Tax-Lien & Distress Report

In Madison County, Virginia, ZIP 22738 scores 16 of 100 for composite distress, a low level on DLRadar's public-record index. Climate and flood risk are elevated too — FEMA disaster exposure (65/100). The most distinctive pressure shows up in construction/permit lag (79/100), institutional ownership (36/100), structural risk (36/100). structural risk (36/100) and mortgage stress (14/100) stay muted. The latent-versus-live split is 36/100 structural and 4/100 already moving.

The market reads expansion — home values rose 5.5% year on year, and 24% higher over three years, at 30/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

There are about 487 housing units across 22738. About 18% have a four-year degree. Owners hold 94% of homes, renters 6%. Households earn a median $89,896 — above the roughly $78,000 national figure. Population is roughly 848 with a median age of 44. The vacancy rate is 24.4% — elevated. 9.2% of residents fall below the poverty threshold. Around 0% of renters are cost-burdened. The typical home is worth about $288,600 (3.2× income, relatively affordable). DLRadar's demographic-stress index for the area reads 23/100.

Net-net, 22738 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 22738 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 22738 runs hot or quiet, its 16/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 22738 can be compared directly against any other ZIP in Madison County, Virginia or nationwide. 22738 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

22738's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Treat 22738 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.